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Blog
Who Packed your Parachute
None of the Private Capital team has ever jumped out of a plane; Rick said when we asked him, “If the plane is going to land, I’ve always thought it was a bit silly”! If we were to jump, one…
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The Needle in Goldman Sachs’ Haystack
At Private Capital the financial planning advice we offer expats in Hong Kong is not limited to advising them on which stocks they should own and which they should avoid. This is not without good reason. The random walk of…
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Read moreStar Manager’s going Supernova
Fund managers that reliably outperform are few and far between, difficult to identify in advance and ultimately destined to stop outperforming – sometimes in spectacular fashion. Regardless, active management is always keen to wax lyrical about any given star manager’s…
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Rebalancing – do I really have to?
Most human beings find it difficult to be investors. We’re brought up to try and purchase items when they are cheap and avoid them when they are considered expensive, however, the data suggests this is often not the case for…
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Read moreQuestions to Ask Your Money Manager
All too frequently we come across clients who have little understanding of the financial products/instruments they hold. Often the performance will be sub-par (being generous), generating returns far below the appropriate benchmark based on the risk being taken. Most…
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Avoiding the Lazy Tax
If you have gone through our 5 steps to creating a budget and feel like you have everything under control, what next? The 6th point in our guide to Spring Cleaning your finances is to avoid lazy…
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Read moreFinancial Plan
Our previous piece explained why in uncertain times you should leave investment portfolio alone, and historically we’ve seen a strong rally from global markets. Whilst there may be more downside to come, we know that investors who miss…
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Estate Planning
This time we look at Estate Planning; we’ve discussed in a previous blog the importance of having your Will and Deed of Guardianship set up, so if you haven’t yet read and acted upon that, make it a priority. Here…
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Read moreBudgeting in Hong Kong?
In the second instalment of articles from our Guide to Financial Planning in Hong Kong, we discussed why having a plan is essential when it comes to managing your finances, knowing what you want to achieve with…
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Waiting for the Storm to Pass
Our other article on the guide to Spring Cleaning your finances, over the other articles we will be expanding on the recommendations, where appropriate. Our first tip was to “Do Nothing”. Expanding on this may at first…
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Read moreNote to Self: 10 things to remember as and when markets fall.
It is an inevitable part of investing that at some point markets will fall by an alarming – if not unexpected – degree. We haven’t seen large market falls for a decade. We should expect that we will. When, and…
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What You Should Do in Response to Market Volatility
Even the most patient investors may begin to doubt the soundness of their investment strategy when the markets become as turbulent and perplexing as they have over multiple periods. Over the years, we have witnessed a number of challenging markets…
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